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Earn up to 3.00% APY* Open an Account Arrow White RIght

Momentum High Yield Checking Account

Get rolling with an account that helps your money grow faster just by swiping your debit card.

Rates Earn up to 3.00% APY*

Put Your Money To Work

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Access to ATMs

You'll get free access to 30,000 surcharge-free ATMs throughout Michigan and across the nation.

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Mobile Bank

Mobile services can help you manage your money quickly and safely all from palm of your hand.

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Free Checking

All of our fees will be disclosed to you so you do not have to worry about seeing additional fees in your checking account.

Earning 3.00% APY* is as easy as 1..2..3

Earning 4.00% is as easy - Step 1

Make at least $500 in direct deposits into your free Momentum Checking account each month.

Earning 4.00% is as easy - Step 2

Enroll in eStatements. At Arbor Financial, we believe in cutting down on paper use and saving trees.

Earning 4.00% is as easy - Step 3

Pick up the pace of your debit card use. Earn higher returns on balances up to $15,000.

10-19 monthly debit card purchases will earn 0.75% APY*

20-29 monthly debit card purchases will earn 1.50% APY*

30 or more monthly debit card purchases will earn 3.00% APY*

Get Started Today!

Improving Your Banking Experience...

Online Banking

Online Banking lets you manage your money in minutes. In an instant information world, why settle for less?

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No need for an app. No need for an internet connection. Manage your money with simple phone call.


Zelle® is used by thousands of credit union members around the country and now its available to you.

*Annual Percentage Yield (APY) as of 10/1/2021. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.